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Our Staff
Actuarial Solutions currently has a staff of twelve actuarial personnel and two administrative personnel. We are small enough to provide exceptionally personalized service to each of our clients and large enough to handle complex assignments under tight timeframes.
Brief biographies for each of our eight senior consultants are available below by clicking on the names below.
Steven P. Lattanzio, FCAS, MAAA, FCA, Principal
Steve has been a Fellow of the Casualty Actuarial Society since 1979, a Member of the American Academy of Actuaries since 1980 and a Fellow of the Conference of Consulting Actuaries since 1997. He holds degrees from Adelphi University and New York University.
Steve has served as President and Consulting Actuary of Actuarial Solutions since the company's inception in 1990 and has over 35 years of casualty actuarial experience. Prior to his current position, he was Consulting Actuary and Manager of the New York office of Presley & Associates; Senior Vice President and Actuary for the Insurance Technical & Actuarial Consultants Corporation (ITAC); and Senior Vice President and Actuary at the National Council on Compensation Insurance (NCCI). His experience includes reviews of reserve adequacy, the projection of ultimate loss, the analysis of expense needs, the development of rates, and the production of rate filings.
In addition, Steve has been recognized by the Vermont Department of Banking, Insurance, Securities and Health Care Administration as an individual who may analyze and certify loss reserves of Vermont captives. Additionally, he is recognized by the regulators in Bermuda, New York, Hawaii, South Carolina, the District of Columbia, Nevada, Kentucky, Barbados and the British Virgin Islands as a loss reserve specialist. Steve has provided expert testimony on numerous occasions.
Gary Osborne, Principal
Gary has over 25 years of experience in workers compensation insurance, with nearly 20 years as a consultant. Since co-founding Actuarial Solutions in 1990, he has held the position of Vice President and Senior Consultant. Prior to his current position, he worked for Presley & Associates, an actuarial consulting firm, and for Insurance Technical & Actuarial Consultants Corporation.
From 1978 through 1985, Gary worked on the actuarial staff of the NCCI. In this capacity he provided support for workers compensation rate filings; supervised departments responsible for actuarial committee research and special ratemaking procedures; and was responsible for the evaluation of hundreds of proposed and enacted changes to statutory workers compensation benefit provisions in approximately 40 states.
Gary has a degree in Mathematics from the University of Connecticut and has passed a number of examinations sponsored by the Casualty Actuarial Society and by the Insurance Institute of America in the risk management discipline. He provides actuarial consulting services to rating bureaus, insurance companies and hundreds of self-insured public entities.
Amy Hicks, ASA, MAAA, FCA, FLMI
Amy Hicks is an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries, a Fellow of the Conference of Consulting Actuaries and a Fellow of the Life Insurance Management Institute. She is a graduate of Northwestern University, Evanston, IL, with adegree in Mathematics.
Employed as Consulting Actuary with Actuarial Solutions since 1993, Amy has more than 30 years of experience in the insurance industry. Her experience includes loss reserve analyses for various lines of coverage, ratemaking, litigation support, medical trend analysis, the evaluation of workers compensation lifetime benefits, and GASB 45 valuations.
Amy’s previous employment includes positions with Metropolitan Life Insurance Company, Hauppauge, NY, where she was in charge of technical managed care operations for the Eastern Zone; Allstate Life Insurance Company, Northbrook, IL, where she managed pricing and product development of managed care, traditional medical insurance, and long term care insurance; Milliman, Brookfield, WI; and Combined Insurance Company of America, Chicago, IL.
Kristine M. Fitzgerald, ACAS, MAAA, FCA
Kristine is an Associate of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Fellow of the Conference of Consulting Actuaries. She graduated cum laude from Villanova University with a B.S. degree in Mathematics.
Kristine has over eighteen years of actuarial consulting experience in the area of property/casualty insurance. Her experience includes loss reserve analyses, feasibility studies, preparation of Statements of Actuarial Opinion, financial examinations, ratemaking, analysis of individual risk rating plans and litigation support. Clients include captives, regulators, insurance companies and self-insured public and private entities. Kristine has worked with clients who provide or review coverage for workers compensation, general liability, auto liability and physical damage, errors and omissions liability, professional liability, mortgage guaranty insurance and various excess liability coverages
Jean Monaco, ARM
Jean has been employed at Actuarial Solutions since 1990 and has extensive experience in workers compensation, including loss reserving, determination of funding levels and premium allocation formulas.
Jean has a degree in Mathematics from Union College, has passed several exams in the actuarial and risk management disciplines and holds the Associate in Risk Management (ARM) designation from the Insurance Institute of America.
Jean has considerable experience with self-insureds, including schools, municipalities and counties in New York State. In addition, she has extensive involvement with large industry rating organizations and insurance companies.
Keith Young
Keith Young has been employed in the actuarial profession for over twenty years. He is a graduate of the State University of New York at Potsdam with a degree in Mathematics.
Prior to joining Actuarial Solutions in 1998, Keith worked on the actuarial staff at Buck Consultants, where he was responsible for valuing corporate pension plan liabilities for several large firms, and at Williams, Thacher and Rand, Inc. where he gained valuable experience with retirement plan funding techniques for individuals as well as small corporate plans.
Keith's experience includes the evaluation of workers compensation liabilities for self-insureds and data management and analysis for large, complex projects. Keith also has considerable experience working on other postemployment benefits (OPEB) valuations in connection with GASB45.
Keith has passed a number of examinations sponsored by the Casualty Actuarial Society and by the Society of Actuaries.
David K. Raikowski, ACAS, MAAA
Dave is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries. Dave has been employed with Actuarial Solutions since 2002. He graduated from Hofstra University with degrees in Mathematics and Psychology.
Dave has significant experience with a variety of property/casualty coverages including workers compensation, general liability, medical professional liability, auto liability and physical damage, mortgage guaranty insurance, construction defects and property. The clients with which he works include self-insureds, captives and public sector entities. He has substantial experience with loss reserve analyses, captive feasibility studies, risk transfer analyses, estimation of premium deficiency reserves, pricing, financial reviews and has also assisted in litigation support engagements on numerous occasions. Additionally, Dave has experience with the valuation of other postemployment benefits in accordance with GASB 45.
Andrew Vega, FCAS, MAAA, FCA
Andrew Vega has been employed with Actuarial Solutions since 2007. He is a Fellow of the Casualty Actuarial Society, a Member of the American Academy of Actuaries and a Fellow of the Conference of Consulting Actuaries. Andrew graduated with distinction from Hofstra University with a M.A. degree in Mathematics.
Prior to joining Actuarial Solutions, Andrew began his career working in the Increased Limits and Rating Plans Division of Insurance Services Office (ISO). Andrew has experience with loss reserve analyses, captive feasibility studies, estimation of premium deficiency reserves, examination of the financial stability of risk retention groups, ratemaking, rate filings and valuation of other postemployment benefits in accordance with GASB 45. He has experience with a variety of property-casualty coverages including workers compensation, general liability, auto liability and physical damage, mortgage guaranty, medical professional liability, and property. The clients with whom he works range in size and include insurers, reinsurers, self-insureds, captives, risk retention groups and public sector entities.
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